Chase Freedom is not a chip-and-PIN credit card. It is a chip-and-signature card, which means cardholders may need to provide their signature for verification when paying with the Freedom card in person. Chip-and-PIN cards instead require a 4-digit PIN for verification. Both chip-and-PIN and chip-and-signature credit cards are secure, but chip-and-PIN is slightly more secure because it’s easier to fake a signature than to guess a PIN.
Even though Chase Freedom isn’t a chip-and-PIN card, you can still request a PIN for cash advance purposes. You will need this PIN if you ever want to withdraw cash from your credit line at an ATM. Cash advances are expensive, but they’re useful in emergency situations, so it’s good to have a PIN just in case. You can get one by calling 1-800-297-4970.
You shouldn’t ever need a PIN to make a purchase with a live cashier in the U.S. or abroad. The only time you may need one for a purchase is if you use certain unmanned machines in foreign countries, such as ticket kiosks or gas pumps.
There are no Chase chip-and-PIN credit cards. All Chase cards issued as of May 2019 are chip-and-signature credit cards. They have a small computer chip embedded inside just like chip-and-PIN cards. The difference is in how you verify your identity when you use the card. With a chip-and-signature card, you have to sign your name when you make a purchase. A chip-and-PIN card requires a four-digit PIN (Personal Identification Number). Naturally, it’s easier to do a false signature than to find out someone’s PIN. So chip-and-signature cards are slightly less secure than chip-and-PIN cards. But both types are more secure than cards that only have a magnetic stripe because they encrypt the data more. … read full answer
Most chip cards issued in the U.S. are chip-and-signature cards. Chip-and-PIN is much more popular abroad. But you can use Chase chip-and-signature credit cards pretty much anywhere in the world where chip-and-PIN cards are accepted. Merchants are supposed to accept your card even if you don’t have a PIN. You might have trouble using a chip-and-signature card at an automated terminal, though.
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